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Sinclair-Dwyer is a California-based MGA and Surplus Lines brokerage that helps agents place hard-to-place and unique commercial property and casualty risks across the state. We provide dedicated access to Century Surety Insurance, a longstanding non-admitted Surplus Lines carrier with deep appetite for niche and specialty classes since 1978. If you need flexibility outside admitted markets, Sinclair-Dwyer can be your go-to market. Target Classes and Market Appetite We maintain a broad appetite for main-street businesses and specialty operations that commonly fall outside admitted market thresholds. This program is built for agents and brokers seeking placement options for clients in challenging or non-standard industries. Typical classes we target include, but are not limited to: Apartments Auto Dismantlers Bakeries Barber Shops and Beauty Salons Bars and Taverns Bazaars Bed and Breakfasts Billiard and Pool Halls Bingo Halls Car Washes Condominiums Convenience Stores (with or without gas) Day Care Centers Garage Liability Health Clubs Homeowners Associations Hotels Hunting Clubs Janitorial Services (excluding handyman work) Laundromats Nightclubs Pawnshops Recycling Centers Resorts Restaurants Retail Stores Security Guards Strip Centers Tanning Salons Vacant Land Video Stores Mini Warehouses Coverage Features and Risk Solutions Through Century Surety Insurance, the program addresses core commercial exposures—commercial property, general liability—and industry-specific enhancements where appropriate. We focus on practical, marketable solutions that help you place accounts with prior claims, unique operations, or higher inherent risk profiles. Endorsements and coverage options are tailored to the class of business and specific exposures. Example scenarios agents frequently bring to us: A restaurant that operates live entertainment and sells liquor needing combined general liability and property protection with liquor liability considerations. A mini-warehouse owner seeking coverage despite limited occupancy or an older building construction. Underwriting Considerations This is a non-admitted Surplus Lines program underwritten by Century Surety Insurance, which provides broader flexibility than admitted markets when evaluating unusual or marginal risks. Submissions are reviewed on a case-by-case basis; while minimum premiums may apply depending on class and exposures, we strive to provide competitive terms for qualified accounts. Provide full details on operations, loss history, and risk control measures to accelerate underwriting decisions. Availability The California MGA and Surplus Lines Brokerage program is available exclusively for risks located in California. Agents and brokers licensed in California can access this market through Sinclair-Dwyer to place commercial accounts across the state's diverse industries. Why Work With Sinclair-Dwyer? Sinclair-Dwyer combines hands-on California non-admitted market expertise with direct access to Century Surety Insurance. We offer responsive underwriting, pragmatic risk solutions, and support for hard-to-place accounts—helping you keep business on your books when admitted carriers decline. Our team works collaboratively with brokers to package submissions, recommend loss control improvements, and speed placement where possible. Frequently Asked Questions What types of accounts are a good fit for this program?Main-street and specialty businesses in California—such as bars, restaurants, salons, daycares, pawnshops, mini-warehouses, and similar classes that may not qualify for admitted markets—are a strong fit. Is this program available outside of California?No. This program is currently available only for risks located in California. What lines of coverage are typically offered?Typical offerings include commercial property, general liability, and industry-specific endorsements or enhancements depending on the class and exposures. Can you write risks with prior claims?Yes. We consider accounts with prior losses, evaluating each submission individually to determine insurability and appropriate pricing. Who is the carrier for this program?The program is written through Century Surety Insurance, a non-admitted Surplus Lines carrier with experience insuring niche markets. Need help placing an account? Connect with a market specialist.

Policy Highlights: Auto detailing businesses face exposures that standard commercial policies often do not address. Colonial General Insurance Agency, Inc. offers a specialized Auto Detail Shop Insurance program through its Commercial Garage Department. The program is designed for both fixed-location and mobile detailing operations and helps agents place harder-to-insure garage risks with confidence. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep underwriting expertise in garage-related risks. This Auto Detail Shop Insurance program provides tailored coverages for businesses that perform vehicle detailing, with options for incidental towing, in-transit exposures, and limited mechanical work. Availability spans multiple Western states and includes both admitted and non-admitted markets where appropriate. Ideal Accounts and Appetite This program works well for a range of detailing operations, including: Standalone auto detailing shops with or without storefronts Mobile detailers who operate on scheduled routes or on-demand Detail shops that also perform light mechanical services Operations with in-transit risk or incidental towing exposure Accounts that commonly fall outside the appetite include high-volume repair garages, full-service body shops, or businesses with major painting and collision operations. Those risks typically require alternative garage or auto repair programs. Coverage Highlights and Advantages Key coverages available through Colonial General’s program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 Aggregate Liability limit Garage Keepers Coverage provided on a primary basis with specified causes of loss Dealers Physical Damage and coverage for False Pretense losses Fire Legal Liability and $5,000 Medical Payments Broadened Coverage Endorsements to address common garage exposures In-Transit Coverage tailored for towing and transport operations Property coverage available for eligible locations and contents Mobile detailing is accepted, offering flexibility for agents placing non-traditional garage operations. Underwriting Notes and Minimum Premiums Every submission is underwritten on its own merits. Colonial General leverages multiple carrier relationships to match risk characteristics to the best available market. Some admitted options are available depending on the state and exposure profile. While minimum premium requirements vary by carrier and state, Colonial General seeks competitive pricing for qualifying accounts and will advise on structure and attachments needed for placement. Territories and Availability This program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Agents in these states can access admitted and non-admitted markets to suit client needs. Why Work With Colonial General Insurance Agency, Inc. Colonial General brings targeted garage-market expertise, responsive underwriting, and access to multiple carriers that specialize in garage and auto exposures. Their Commercial Garage Department understands the nuances of detailing operations—both fixed and mobile—and can tailor policy forms and limits accordingly. Example scenarios that are a good fit: A single-bay detailing shop that offers ceramic coatings and occasional customer vehicle storage — you can pursue Garage Liability with Garage Keepers and property coverage. A mobile detailing business operating a fleet of two vans doing scheduled corporate accounts — the program can provide in-transit coverage and liability limits that reflect the fleet exposure. For more details on placement guidelines and available markets, visit Colonial General's company profile or connect with their market specialists. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fixed-location and mobile auto detailing businesses, including those with incidental towing or property exposures. Are mobile auto detailers eligible for coverage?Yes. Mobile detailing operations are acceptable and can be underwritten when you provide vehicle schedules, estimated revenue by activity, and details on in-transit handling. Is Garage Keepers coverage included?Yes. Garage Keepers Coverage is available on a primary basis with specified causes of loss; limits and causes of loss are determined by the underwriting review. Which states offer this program?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include options for admitted markets?Some admitted markets are available depending on the risk and the state. Colonial General will help identify whether an admitted or E&S placement is the best path for each submission. Need help placing an account? Connect with a market specialist.